SWIMMING POOL LOANS

from4.74%*APR with AutoPay

from 4.74%*

APR with AutoPay

When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from $5,000 to $100,000, for practically any purpose, as soon as today.3

At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1

Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

Why LightStream?

Watch our video

When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from $5,000 to $100,000, for practically any purpose, as soon as today.3

$100 Loan Experience Guarantee1

$100 Loan Experience Guarantee. Disclosure 1 to follow.

At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1

We will beat any qualifying rate.2

We will beat any qualifying rate. Disclosure 2 to follow.

Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

Why LightStream?

Watch our video

When you have good credit, you’ve earned a lower interest rate, and a refreshingly simple loan process. We’ve built our business around that belief, and it’s made us the premier national online consumer lender. Got good credit? Get a low-interest, no-fee loan from $5,000 to $100,000, for practically any purpose, as soon as today.3

$100 Loan Experience Guarantee1

At LightStream we’ve put you, the customer, at the center of the loan process. You decide your loan amount, terms and funding date through an online process that you control. And we guarantee that it will be the best loan process you’ve ever experienced. If after receiving your loan from us you are not completely satisfied, we’ll send you $100.1

We will beat any qualifying rate.2

Many lenders claim that they have low interest rates. At LightStream we actually do. We are so confident in the competitiveness of our interest rates that we will beat a qualifying interest rate (APR)2 from any other lender. With our low rates and our commitment to exceptional service, there's no reason to go anywhere else when you need a loan.

* The APR listed is for an unsecured home improvement, pool, or solar system loan between $10,000 and $24,999 with a term between 24 and 36 months for applicants with excellent credit. Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which
is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.
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Low rates. Great service. That's Lending Uncomplicated.®

Whole-project funding, with no fees, no home equity requirements.

The unsecured LightStream loan has no fees or prepayment penalties. There are also no appraisals or home equity requirements.

Finance your swimming pool, at a low rate.

When you have good credit, you deserve a low-interest, fixed-rate loan. You can be confident that’s what you’ll get with LightStream, because we back our low rates with our Rate Beat Program.2

We can fund your loan as soon as the day you apply.3

With LightStream, you’re in control of the lending process. You choose your funding date. In fact, you can even have funds deposited into your account as soon as the same day you apply.

Experience the refreshingly simple LightStream loan.

Check your rate, then apply from your smart phone, tablet or computer, and get a low rate on our virtually paperless loan, from $5,000 to $100,000.

Annual Percentage Rates (APR)

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Unsolicited customer comments

The LightStream Experience

Unsolicited customer comments

I cannot emphasize enough how simple, convenient, and painless accessing a home improvement loan through LightStream was. I applied for a $35,000 loan to do major interior work to our home; I was initially drawn in by LightStream’s interest rates, which were so much better than those offered by my local bank and credit union, even for those with excellent credit. I was skeptical, assuming that no one actually qualified for the lowest rates indicated on LightStream’s website. Holy cow was I wrong! The entire process, from applying online, to submitting a pay stub for wage verification, to having the funds in my account was less than two days! And I was offered the lowest rate listed by LightStream for the loan term I requested. I cannot say enough how wonderfully simple, efficient, and uncomplicated this process was. Thank you, LightStream!

—V. P. from Pierre, SD

First I want to say this was in fact the EASIEST loan transaction ever! I have truly found a new lender. Thank you for making my dream of owning a pool come true in just one day!

—B. W. from Philadelphia, PA

We applied for a loan for a new roof & home repairs today at 11:30 am. At 1:30, we had our approval and the money was deposited the next day! The interest rate was great & we couldn’t be happier!! Thanks so much!

—B. G. from Middlesboro, KY

Our first experience with LightStream was great! I am amazed at how easy and fast the entire process was. We applied for a large loan for a swimming pool and thought it would take some time to get approved and funds in our bank account. We applied on a Saturday morning, and Sunday were approved, and could have had our funds on Monday, but we wanted to hold off until our contract was signed with our pool builder. We will recommend LightStream to our friends and family! THANK you!

* The APR listed is for an unsecured home improvement, pool, or solar system loan between $10,000 and $24,999 with a term between 24 and 36 months for applicants with excellent credit. Your APR may differ based on loan purpose, amount, term, and your credit profile. Rate is quoted with AutoPay discount, which is only available when you select AutoPay prior to loan funding. Rates under the invoicing option are 0.50% higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $10,000 loan at 4.74% APR with a term of 3 years would result in 36 monthly payments of $298.54.

Maximum APR for a LightStream loan is 17.99%.

1After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will email you a questionnaire so we can improve our services. When we receive your completed questionnaire, we will send you
$100. Our guarantee expires 30 days after you receive your loan. We reserve the right to change or discontinue our guarantee at any time. Limited to one $100 payment per funded loan. LightStream and SunTrust teammates do not qualify for the Loan Experience Guarantee.

2We are so confident in the competitiveness of our interest rates that we will beat an interest rate (APR) presented by any other lender by .10 percentage points, if the other lender’s rate meets the terms and conditions described below:

Terms:

The lender’s interest rate (APR) must not be supported by any third-party arrangements such as vehicle manufacturer subvention payments (with rates as low as 0.0% APR), other manufacturer discounts, rate buy-downs by car buying services, or any other similar third-party subsidized rate offerings.

The lender’s interest rate offer must be generally available to all of its customers who share a similar credit risk profile (so that employee-discount programs or other special, limited lending programs would not qualify).

LightStream will offer a rate that is .10 percentage points below the specific rate offered by a competing lender.

Conditions:

The interest rate (APR) must be for the same loan amount, loan term, loan purpose and payment method (auto debit or invoice) that are being offered by LightStream. The offer applies to fixed-rate loans only. Variable-rate loans do not qualify.

You need to be approved for the other lender’s interest rate (APR).

If requested by us, you will need to supply LightStream with evidence, to its satisfaction, that the other lender’s interest rate (APR) meets the Rate Beat program terms and conditions described here. This could include an approval letter, loan document containing the APR, or other documentation that LightStream finds sufficient.

This offer expires if the terms and conditions are not satisfied prior to 2 p.m. Eastern time on the business day prior to loan funding.

These terms and conditions are subject to change at any time.

3You can fund your loan today if today is a banking business day, your application is approved, and you complete the following steps by 2:30 p.m. Eastern time: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

At LightStream, we care about the environment and, more importantly, we try to do something about it. For one, we have created a virtually paperless consumer loan experience at LightStream. By eliminating paper almost entirely from the LightStream loan process, we not only save our natural resources but we save on expenses as well, better enabling us to offer you highly competitive interest rates.

In addition, for every loan that we fund for our customers,
we will have a tree planted in one of our country's fragile habitat communities currently under restoration.

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